| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.4% | +1.3% | +3.1 pts |
| Share growth (YoY) | +4.8% | +0.7% | +4.2 pts |
| Loan growth (YoY) | -3.5% | -2.4% | -1.2 pts |
| ROA | 1.27% | 0.60% | +0.7 pts |
| ROE | 9.5% | 4.1% | +5.4 pts |
ROA ranks in the 79th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $53.5M | $46.0M | $22.7M | $7.1M | $169K | 1.27% | 3.92% | 1.33% | 3,530 |
| Q4 2025 | $52.8M | $45.6M | $23.2M | $7.0M | $400K | 0.76% | 4.13% | 1.33% | 3,538 |
| Q3 2025 | $53.2M | $46.0M | $23.5M | $6.9M | $324K | 0.81% | 4.07% | 1.68% | 3,619 |
| Q2 2025 | $53.4M | $46.3M | $22.8M | $6.7M | $196K | 0.73% | 4.04% | 1.47% | 3,638 |
| Q1 2025 | $51.2M | $43.9M | $23.5M | $6.7M | $165K | 1.29% | 4.22% | 1.36% | 3,630 |
| Q4 2024 | $49.0M | $42.2M | $23.6M | $6.6M | $626K | 1.28% | 4.37% | 0.88% | 3,613 |
| Q3 2024 | $48.8M | $42.0M | $24.0M | $6.5M | $562K | 1.54% | 4.31% | 0.86% | 3,612 |
| Q2 2024 | $50.0M | $43.3M | $23.1M | $6.3M | $380K | 1.52% | 4.13% | 1.01% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.27% | 0.60% | 79th | |
Return on equity Annualized net income ÷ equity or net worth | 9.5% | 4.1% | 83th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.92% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 3,598 |
Loan mix (Q1 2026): real estate $1.3M · commercial $0 · consumer $19.6M · securities $22.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 75.4% | 81.5% | 36th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.